California Auto Insurance (CA)
California's Compulsory Financial Responsibility Law requires drivers and owners of motor vehicles to maintain minimum limits of liability insurance or have an alternative way to pay for bodily injury or property damage they may cause. Financial responsibility can be obtained in many ways:
- Coverage by a motor vehicle or automobile liability insurance policy
- A cash deposit of $35,000 with the Department of Motor Vehicles (DMV)
- A DMV issued self-insurance certificate
- A surety bond for $35,000 obtained from an insurance company licensed to do business in California
If you decide to purchase an insurance policy, your insurance company will send you a proof of insurance card that lists the automobiles and drivers covered under your policy, the policy number, and expiration date.
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Under California law, proof of financial responsibility must be shown when you:
- are asked for it by a law enforcement officer,
- have an accident,
- register your car or renew its registration, or
- get your car inspected.
Driving without insurance in California is a serious offense. If you cannot provide proof of insurance, you may be fined or have your license suspended.
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You may want to consider purchasing limits of coverage higher than those required by law to protect your assets or property, as you may be personally responsible for any damages above the policy limits.
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Auto Insurance for Leased Vehicles in California (CA)
Most leasing companies in California typically require drivers to maintain insurance coverage which exceeds the minimums set by California state law. This is to protect you financially, as well as your leasing company, should they be held partly responsible. Most leasing companies will recommend the following amounts of insurance coverage:
Read about special considerations for drivers in California cities
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Contacts for Auto Insurance Information In California
California Department of Motor Vehicles
www.dmv.ca.gov |
California Department of Insurance
Consumer Services Division
300 South Spring Street, South Tower
Los Angeles, CA 90013
www.insurance.ca.gov |
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 ComparisonMarket
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 Esurance
Esurance offers a full set of insurance policies, providing their customers with many product choices. The company consistently lives up to high ideals, providing quality policies and excellent customer service. Esurance allows you to compare their quotes against quotes from other companies, so you can get the best coverage for the best price. After you get a quote, you can actually purchase a policy, pay for it, and print out a temporary insurance card, all within minutes.
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 21st Century Insurance
21st Century Insurance offers personal automobile, motorcycle, and umbrella insurance in California and automobile insurance in Arizona, Illinois, Indiana, Nevada, Ohio, Oregon, Texas and Washington. The company receives much of its new business through referrals from current policyholders; the average annual renewal rate of existing policyholders is greater than 90%. Accepts all licensed drivers, including new drivers.
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**Auto Insurance Finder is not an insurance broker or carrier. Content on this site is for comparison and informational purposes only. The products and services listed on this site may not be available in all states.
Last Updated: February 14, 2008
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